Is it a pity to leave crypto assets idle? Actually, the coins you hold can earn you money while you keep them.

The core idea is straightforward: use your mainstream coins as collateral to borrow low-cost stablecoins from DeFi lending protocols. The stablecoins you receive are then invested into financial products on major platforms to earn returns. The interest spread in between is your income.

Why does this approach work? The key is that the borrowing cost is indeed low enough. You don't need to operate frequently; just set it up once, and each month you'll see cash flow coming in. Especially for those who are long-term bullish on certain coins, this method is particularly convenient—no need to sell assets, and it solves the problem of illiquidity.

The most clever part of this strategy is the use of staking certificates. For example, holding a staked BNB certificate means that during the collateralized loan period, the staking rewards behind it continue to accumulate. It's like opening two parallel income channels.

The borrowed stablecoins are invested into financial products, which generally generate returns that can cover your loan interest, leaving a good surplus. This is the power of the interest spread.

The biggest advantage of this mechanism is fairness. Whether you have 100 dollars or 1 million dollars in your account, you can participate under the same conditions. There are no special rates reserved for whales; this design concept has been embedded into the protocol's logic from the start.

Of course, before operating, you need to understand basic concepts like collateralization ratio and liquidation risk. But overall, this is a relatively stable, automated passive income route. It is suitable for holders who don't want to trade frequently but want their assets to work more efficiently.